The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$68,877
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,019
−HK$2,177/mo
Today · 4.125%
HK$73,196
baseline
▲ 0.50% · 4.625%
HK$77,649
+HK$4,453/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,392/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,624
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,679
−HK$2,085/mo
Today · 4.125%
HK$80,764
baseline
▲ 0.50% · 4.625%
HK$85,021
+HK$4,257/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,528/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,652
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,223
−HK$2,612/mo
Today · 4.125%
HK$87,835
baseline
▲ 0.50% · 4.625%
HK$93,179
+HK$5,344/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,670/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,949
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,415
−HK$2,502/mo
Today · 4.125%
HK$96,917
baseline
▲ 0.50% · 4.625%
HK$102,026
+HK$5,109/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,834/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,427
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,427
−HK$3,047/mo
Today · 4.125%
HK$102,474
baseline
▲ 0.50% · 4.625%
HK$108,709
+HK$6,235/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,948/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,274
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,151
−HK$2,919/mo
Today · 4.125%
HK$113,070
baseline
▲ 0.50% · 4.625%
HK$119,030
+HK$5,960/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,140/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,978
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$127,834
−HK$3,918/mo
Today · 4.125%
HK$131,752
baseline
▲ 0.50% · 4.625%
HK$139,769
+HK$8,017/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,504/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,924
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,623
−HK$3,753/mo
Today · 4.125%
HK$145,376
baseline
▲ 0.50% · 4.625%
HK$153,039
+HK$7,663/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,752/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,738 · Scale 2, in force from 26 Feb 2026)